Modra Travel insurance (Travel Medical Tujina)
Underwritten by Vzajemna zdravstvena zavarovalnica d.d. · Slovenia
travel insurance from Modra for the Slovenia market, with online purchase and 24/7 assistance.
Verified Aug 22, 2026 · Terms dated 2026-06-01Sources
Unique selling points
24/7 assistance centre available in the Slovenian language, reducing communication barriers when arranging emergency care abroad.
Chat or video consultation with a doctor available 24/7/365 for general health advice during the trip, when agreed in the contract.
The extended tier can be purchased for travellers up to and including age 80, well above the age caps common on basic travel policies.
The extended "nujne in potrebne" tier includes preventive check-ups, cancer-screening programmes, post-injury physiotherapy and prescribed optical aids abroad, benefits many competitors charge extra for or exclude entirely.
Selected packages can be extended with optional "Prtljaga plus" (baggage/transport delay) and "Odgovornost v tujini" (personal liability) add-ons for broader protection in one policy.
Coverage limits
Medical expenses abroad
Covered
Covers costs of necessary emergency medical and related services abroad in case of illness or injury; the exact insured sum is set on the individual policy, not stated in the general terms.
Section: UVOD > 1. Kaj je zavarovanje za tujino?
Zavarovanje za tujino krije stroške nujnih zdravstvenih in z njimi povezanih storitev v času potovanja v tujini, če zbolite ali se poškodujete.
Emergency medical treatment
Covered
Covers costs of emergency medical assistance, including prescribed medicines and medical devices, and treatment of acute exacerbation of chronic diseases, until the insured is fit to return home.
Section: 10. TUJINA - nujne zdravstvene storitve
Zavarovanje krije stroške nujnega zdravljenja, ki je posledica nujne medicinske ali zobozdravstvene pomoči, do dne, ko vam zdravstveno stanje dovoljuje vrnitev v domovino, kjer boste nadaljevali zdravljenje.
Hospitalization abroad
Covered
Emergency hospital treatment costs are covered as part of emergency medical assistance; hotel accommodation is also covered if ordered quarantine/isolation or hospitalization prevents the planned return home.
Section: 12. TUJINA - iskanje in reševanje, hotelska namestitev in strošek prevoza v domovino
hotelske namestitve, če vam je bila odrejena karantena ali izolacija zaradi bolezni,
Necessary (non-urgent) outpatient treatment
Conditional
Covers non-urgent services needed for diagnostics, treatment, rehabilitation or monitoring during the trip, only if specifically agreed in the contract (the extended "nujne in potrebne zdravstvene storitve" clause).
Section: 11. TUJINA - nujne in potrebne zdravstvene storitve
Če je tako dogovorjeno, zavarovanje poleg nujnih zdravstvenih in z njimi povezanih storitev v tujini (opredeljeno v točki 10 teh pogojev) krije tudi zdravstvene storitve, ki so potrebne za diagnostiko, zdravljenje, rehabilitacijo ali spremljanje zdravstvenega stanja zavarovanca v času potovanja v tujini.
Emergency dental treatment
Covered
Covers emergency dental treatment needed to relieve acute pain from disease or injury, including tooth extraction and simple denture repairs when eating is otherwise impossible.
Section: 10. TUJINA - nujne zdravstvene storitve
stroške nujne zobozdravstvene medicinske pomoči, ki je potrebna za odpravo akutne bolečine zaradi bolezni ali poškodbe zobovja, vključno z ekstrakcijo zoba in enostavnimi popravili zobnih protez, če zavarovancu zaradi tega prehranjevanje ni omogočeno,
Medical transport to nearest facility
Covered
Covers transport costs to the nearest hospital or clinic and back to the place of stay abroad, as part of emergency treatment.
Section: 10. TUJINA - nujne zdravstvene storitve
Za potrebe nujnega zdravljenja so kriti tudi stroški prevoza do najbližje bolnišnice ali klinike in nazaj do mesta, kjer ste nastanjeni na potovanju v tujini.
Medical repatriation / evacuation to home country
Covered
Covers organisation and costs of transport home if medical reasons prevent the originally planned return, including medical escort if the insured's condition requires it.
Section: 12. TUJINA - iskanje in reševanje, hotelska namestitev in strošek prevoza v domovino
vašega prevoza do bivališča ali bolnišnice v domovini, vključno s spremstvom zdravstvene ekipe, če bi to zahtevalo vaše zdravstveno stanje;
Repatriation of mortal remains
Covered
In the event of death while travelling, covers the costs of transporting the mortal remains back to the home country.
Section: 12. TUJINA - iskanje in reševanje, hotelska namestitev in strošek prevoza v domovino
V primeru smrti na potovanju so kriti stroški prevoza posmrtnih ostankov v domovino.
Search and rescue
Covered
Covers search costs if officially reported missing, and rescue costs (including transport from the accident site to the nearest medical centre/hospital) in case of illness or accident in hard-to-reach areas such as mountains, sea, lakes, caves or deserts.
Section: 12. TUJINA - iskanje in reševanje, hotelska namestitev in strošek prevoza v domovino
Stroški iskanja in reševanja so stroški, ki nastanejo zaradi iskanja oziroma reševanja v primeru bolezni ali nezgode na potovanju v tujini na težje dostopnem območju, kot so zlasti gore, morja, jezera, jame, puščave in podobno
COVID-19 / pandemic-related treatment
Excluded
The insurer's obligations are generally excluded for events linked to epidemics/pandemics; however, hotel accommodation costs are covered separately if the insured is placed under ordered quarantine or isolation due to illness.
Section: 19. Katere so omejitve naših obveznosti?
epidemije/pandemije, onesnaženja okolja ali naravnih nesreč;
Pre-existing conditions
Excluded
The insurer's obligations are excluded for illnesses, health conditions and injuries that existed before departure abroad, or that appeared before departure and were not fully resolved by the departure date.
Section: 19.2 Kritje TUJINA
bolezni, zdravstvenih stanj in poškodb, ki so obstajale pred odhodom v tujino, ali so se pojavile pred odhodom v tujino in do odhoda niso bile v celoti odpravljene;
Winter / high-risk sports cover
Optional
Cover also applies if the insured event results from an accident or illness suffered while performing high-risk activities or extreme sports (professional or recreational), but only if agreed in the contract and an appropriately higher premium has been paid; the list of sports requiring a surcharge is published on the insurer's website.
Section: 8. Kaj krije zavarovanje?
Zavarovalno kritje skladno s temi pogoji velja tudi, če je zavarovalni primer nastal kot posledica nezgode ali bolezni, ki jo utrpite pri izvajanju visoko tveganih aktivnosti ter ekstremnih športov na profesionalni ali rekreativni ravni in ste za to plačali ustrezno višjo premijo.
Adventure / extreme sports cover
Optional
Extreme sports and high-risk activities are covered only against payment of an appropriate additional premium, as agreed in the contract; standard exclusions apply above 6,000 m altitude regardless.
Section: 19.2 Kritje TUJINA
Naše obveznosti so izključene, če je zavarovalni primer nastal kot posledica nezgode ali bolezni, ki jo utrpite pri izvajanju visoko tveganih aktivnosti ter ekstremnih športov na profesionalni ali rekreativni ravni, razen če je to v zavarovalni pogodbi posebej dogovorjeno in je za to plačana ustrezna višja premija.
Pregnancy complications
Conditional
Under the base "nujne zdravstvene storitve" clause, pregnancy, routine pregnancy check-ups, complications and childbirth are excluded except to save the life of mother or child. Under the extended "nujne in potrebne zdravstvene storitve" clause, medically necessary pregnancy treatment and childbirth are covered, subject to a 6-month waiting period from policy start if the pregnancy did not exist at inception, or covered for acute complications/premature birth up to week 36 if the pregnancy already existed at inception.
Section: 19.2.3 Za kritje TUJINA – nujne zdravstvene storitve
nosečnosti, rednih pregledov v času nosečnosti, komplikacij v nosečnosti ter poroda, razen v primeru reševanja življenja matere oziroma otroka;
Personal liability abroad
Optional
Optional add-on package covering civil liability damages (including legal and other costs) claimed by third parties against the insured for accidental bodily injury or property damage caused abroad, up to the insured sum stated in the policy; cannot be purchased as a standalone product and can only be attached to certain selected packages.
Section: 15. Dodatno kritje odgovornost v tujini
bomo krili škodo zaradi civilno-pravnih odškodninskih zahtevkov (vključno z odvetniškimi in drugimi stroški), ki jih tretje osebe uveljavljajo proti vam, do višine zavarovalne vsote, kot je navedena v zavarovalni pogodbi.
Legal assistance
Covered
Covers costs of legal assistance, telephone interpreter costs and bail/security deposit in connection with an illness or accident abroad requiring emergency medical assistance where criminal or civil liability proceedings are brought against the insured; compensation/damages themselves are not covered.
Section: 13. TUJINA - pravna pomoč
Odškodnina ni krita. Storitve pravne pomoči in prevajalca po telefonu niso del asistenčnih storitev.
24/7 assistance centre
Covered
The assistance centre is reachable 24 hours a day, 7 days a week in the Slovenian language, and organises emergency medical help, emergency medical transport, and notifications to the insured's relatives; a chat or video consultation with a doctor is also available 24/7/365 if agreed in the contract.
Section: 9. Asistenčne storitve
Spodaj naštete asistenčne storitve zagotavljamo štiriindvajset (24) ur na dan in sedem (7) dni v tednu:
Key conditions
Assistance call deadline
If you fall seriously ill, are seriously injured, need hospital treatment or transport home, you must notify the assistance centre immediately, or as soon as possible, by phone (+386 1 47 18 777) or email ([email protected]).
Unauthorized treatment
The insurer's obligations cease if the insured refuses the proposed emergency treatment, transport home, or other services organised by the insurer.
Purchase while abroad
The insurance must generally be concluded before departure abroad while the insured is in Slovenia or their country of permanent residence; by agreement it can also be concluded on the day of departure, or while already abroad, provided the insured event has not yet occurred.
Chronic conditions
A chronic disease is defined as a long-term, usually recurring condition causing permanent health consequences and requiring long-term monitoring, treatment and care (e.g. diabetes, hypertension, asthma, cardiovascular disease, lupus). Only the emergency treatment of an acute exacerbation of a chronic disease is covered; regular/ongoing treatment of the chronic disease itself is excluded.
Pregnancy
Under the base emergency-only clause, pregnancy-related costs, routine check-ups, complications and childbirth are excluded except to save the life of mother or child. Under the extended "nujne in potrebne" clause, medically necessary pregnancy care and childbirth are covered, subject to a 6-month waiting period if the pregnancy did not exist at policy inception.
Pre-existing condition exclusions
The insurer's obligations are excluded for illnesses, health conditions and injuries that existed before departure abroad, or appeared before departure and were not fully resolved by the departure date.
Coverage duration limit
Multitrip cover applies to an unlimited number of departures within one insurance year, but cover for each individual trip lasts a maximum of the first 90 days. Family policies can include at most two adults under 75, with children/stepchildren/grandchildren covered up to age 26. The extended "nujne in potrebne" clause can be taken out for persons up to and including age 80.
Direct payment
For serious illness, injury, hospitalisation or transport home, the assistance centre must be notified immediately; costs can then be settled directly with the provider if agreed, otherwise the insured pays first and claims reimbursement within 3 months of returning home. For minor cases, no assistance call is required and the insured pays and claims reimbursement directly.
Territorial scope
Cover does not apply in Slovenia (except for the inbound "tujci v Sloveniji" product) or in the country where the insured has official permanent residence.
Documents
General Terms and Conditions for Travel Insurance SP-TAS-26 (opens in a new tab)
Terms & conditions · PDF
General Terms and Conditions for Travel Insurance SP-TAS-22 (prior edition, effective 2022) (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document - Travel Health Insurance (opens in a new tab)
Product information sheet · PDF
Travel Insurance - Package Comparison (Modra/Vzajemna) (opens in a new tab)
Table of benefits · PDF
Policy specifics
Flight cancellation and delay coverage
Optional additional package 'Prtljaga plus' provides protection for flight cancellation or delay
SourceSection: Zavarovanje za tujino > Kaj je zavarovanje za tujino?
Prtljaga plus – zaščita ob preklicu ali zamudi leta, izgubi ali zamudi prtljage ter izgubi osebnih dokumentov.
Baggage protection
Optional 'Prtljaga plus' package covers loss, delay, or theft of luggage and personal documents
SourceSection: Zavarovanje za tujino > Kaj je zavarovanje za tujino?
Prtljaga plus – zaščita ob preklicu ali zamudi leta, izgubi ali zamudi prtljage ter izgubi osebnih dokumentov.
Doctor chat service
Optional service providing chat consultation with a doctor 24 hours a day, 365 days a year via various chat platforms for non-urgent health advice
SourcePage 2Section: TUJINA table
V času trajanja zavarovanja bo zavarovalcu na voljo klepet z zdravnikom preko različnih klepetalnikov 24 ur na dan in vse dni v letu.
Geographic coverage area selection
The coverage area is chosen at policy inception: worldwide coverage or Croatia only.
SourcePage T-619Section: KJE JE ZAVAROVANJE VELJAVNO?
Odločite se lahko za zavarovanje, ki velja na območju celega sveta ali na območju Hrvaške.
Mandatory immediate assistance center notification
Insured must immediately notify assistance center in case of serious illness, injury, hospitalization, or transport to home country
SourcePage T-619Section: KAKŠNE SO MOJE OBVEZNOSTI?
Če težje zbolite ali se poškodujete ali potrebujete bolnišnično zdravljenje ali prevoz v domovino, morate o tem nemudoma oziroma takoj, ko je to mogoče, obvestiti naš asistenčni center na telefon + 386 1 47 18 777 ali na [email protected].
Claim submission deadline
Claims for benefit must be submitted to insurer within three (3) months of returning to home country
SourcePage T-619Section: KAKŠNE SO MOJE OBVEZNOSTI?
Da nam zahtevek za uveljavljanje zavarovalnine posredujete najhitreje v roku treh (3) mesecev po vrnitvi v domovino.
Premium payment timing
Coverage begins the day indicated on policy if premium is paid by that date; exception: if agreed upon, coverage for departure day can begin if entire premium paid immediately on departure day
SourcePage T-619Section: KDAJ ZAVAROVANJE ZAČNE IN KDAJ NEHA VELJATI?
Datum začetka zavarovanja je naveden na polici.
Chronic illness coverage limitation
Chronic illness is defined as long-term, recurring condition with permanent health consequences requiring special training, rehabilitation, long-term monitoring, treatment and care
SourcePage 1Section: 2. Definicije pogosto uporabljenih izrazov
Bolezen, ki ima eno ali več sledečih lastnosti: je običajno dolgotrajna in ponavljajoča se, večinoma povzroči trajne zdravstvene posledice, bolnik potrebuje posebno usposabljanje in rehabilitacijo, da živi z njo, potrebuje dolgotrajno opazovanje, zdravljenje, nadzor in nego.
Medical necessity requirement
All performed health services must be medically indicated and justified; services must be necessary and not elective
SourceClause 10.4Page 3Section: 10. TUJINA - nujne zdravstvene storitve
Opravljene zdravstvene storitve morajo biti medicinsko utemeljeno indicirane kot nujne.
Sources
- modra.sihttps://modra.si/wp-content/uploads/2024/08/IPID_TAS22_M.pdf#page=2(opens in a new tab)
- modra.sihttps://modra.si/wp-content/uploads/2024/08/Splosni-pogoji-SP-TAS-22.pdf#page=1(opens in a new tab)
- modra.sihttps://modra.si/wp-content/uploads/2024/08/Splosni-pogoji-SP-TAS-22.pdf#page=2(opens in a new tab)
- modra.sihttps://modra.si/wp-content/uploads/2024/08/Splosni-pogoji-SP-TAS-22.pdf#page=3(opens in a new tab)
- modra.sihttps://modra.si/wp-content/uploads/2024/08/Splosni-pogoji-SP-TAS-22.pdf#page=4(opens in a new tab)
- modra.sihttps://modra.si/wp-content/uploads/2024/08/Splosni-pogoji-SP-TAS-22.pdf#page=5(opens in a new tab)
- modra.sihttps://modra.si/wp-content/uploads/2024/08/Splosni-pogoji-SP-TAS-22.pdf#page=6(opens in a new tab)
- modra.sihttps://modra.si/zavarovanje-za-tujino/(opens in a new tab)
- vzajemna.sihttps://www.vzajemna.si/storage/uploads/0009ec5f-f27d-4edc-9861-52bb65d5562c/Splo%C5%A1ni-pogoji-zavarovanja-za-tujino.pdf#page=3(opens in a new tab)
- vzajemna.sihttps://www.vzajemna.si/storage/uploads/9446da1c-752b-4de4-946c-519dd35c18cb/T-569-(SP-TAS-22,-splet).pdf#page=1(opens in a new tab)
- vzajemna.sihttps://www.vzajemna.si/storage/uploads/9446da1c-752b-4de4-946c-519dd35c18cb/T-569-(SP-TAS-22,-splet).pdf#page=2(opens in a new tab)
Modra Travel insurance